Card Authorizations & Transactions FAQ

Why is my card authorization amount changing?

When the fuel code is generated, Mudflap puts an authorization hold on your card. The authorization amount can change based on different factors, such as your purchase history and the fuel cost. The authorized amount will cover the transaction total, and Mudflap will release the remainder immediately. However, the actual time to release the credit hold on the card varies by the issuing bank, which typically falls between 1 - 3 business days.

Why do I see two Mudflap charges for a single fuel transaction?

If the total for fuel exceeds the card-authorized amount, we will process a second charge to cover the remaining balance. Therefore, the Mudflap receipt will reflect the two charges for the single transaction.

Sample receipt of two charges

Sample receipt of two charges

Card Charge Description

  • 1. Initial Authorized Amount
    Partial payment for a fill-up at Super Marvel Truck Stop on 05/12/23. Transaction T1234567
  • 2. Remaining Charge
    Remaining charges for a fill-up at Super Marvel Truck Stop on 05/12/23. Transaction T1234567

Sample receipt of one charge

Sample receipt of one charge

Card Charge Description

  • Payment for a fill-up at Super Marvel Truck Stop on 05/12/23. Transaction T1234567

Why am I being asked to verify my card when I request a fuel code?

As an extra protection for your account, Mudflap works with the card-issuing bank to prevent unauthorized charges. Depending on various risk factors determined by the bank, the bank may require a one-time use code to be entered before approving a transaction. This is known as 3D-Secure and is fully controlled by the card-issuing bank.

Requesting a fuel code

Requesting a fuel code

The card-issuing bank is requesting 3D-Secure to be completed

The card-issuing bank is requesting 3D-Secure to be completed

Redirecting to the card-issuing bank’s page

Redirecting to the card-issuing bank’s page

The card-issuing bank is issuing a one-time use code to the phone number or email address on file with the bank

The card-issuing bank is issuing a one-time use code to the phone number or email address on file with the bank

Once completed, you will return to the Mudflap page to retrieve the fuel code

Once completed, you will return to the Mudflap page to retrieve the fuel code